If I new then what I now now

I suppose you'd have to say that the major downside to this plan is not so much the cost, which is small relative to other stuff that's happening, but the reality that messing around like this means that whenever the economy gets back on the upswing it's going to be harder for people to get mortgages now that banks now that if things go wrong the government may well step in and start re-writing deals.

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